Bronwyn L Martin MBA CHFC CLU CRPC CLTC CFS CMFC AEP

10/15/2026

Medicare Open Enrollment begins today and runs through December 7. Even if your current coverage has worked well, it can be helpful to understand what may change for the year ahead.

Medicare.gov explains the options available during this period and where to compare plans.

Read more:
https://bit.ly/4s4FIqV

The official U.S. government website for Medicare, a health insurance program for people age 65 or older and younger people with disabilities.

10/13/2026

For many employees, fall brings decisions about workplace benefits.

Before making elections, it can help to look beyond the monthly premium and compare:

• Deductibles and out-of-pocket costs
• Provider and prescription coverage
• Life and disability insurance options
• Retirement plan contributions
• HSA or FSA choices, if available

The right mix depends on your health needs, family responsibilities and broader financial priorities. Review the details carefully and ask questions about anything that is unclear.

10/12/2026

Retirement planning is not only about numbers. It begins with a clear picture of the life you want.

In this Perspective, I walk through practical questions that can help people in their 50s and 60s organize income, expenses and the important decisions ahead.

Read more:

A Step-by-Step Guide for Ages 50 Somethings–60 Somethings

10/10/2026

Medicare comes with a lot of questions. Knowing what to consider can help you feel more prepared as you make decisions about your coverage.

Join us for our upcoming webinar, Making the Most of Medicare: What You Need to Know, for a helpful discussion on navigating Medicare and understanding your options.

Tuesday, October 20, 2026
1:00–2:00 PM EDT

We hope you’ll join us! RSVP today to reserve your spot:
https://bit.ly/4hAbVTi

10/08/2026

Unexpected expenses rarely arrive at a convenient time. An emergency fund can help create room in a financial plan for car repairs, home expenses, medical bills or a loss of income.

The Consumer Financial Protection Bureau explains what an emergency fund is and offers practical ideas for building one, even if you are starting small.

Read more:

Everything you need to know about what an emergency fund is and how to create an emergency fund. An emergency fund is an important step in protecting yourself financially from the unexpected – like a car repair, medical bill. or replacing an appliance – and staying on track to reaching your savi...

10/06/2026

Financial planning can involve a lot of moving parts, but the conversation should never leave you feeling lost.

A thoughtful planning relationship gives you space to ask questions, understand the choices in front of you and see how decisions about saving, investing, protection and legacy fit together.

You do not need to have every answer before the conversation begins. Starting with the questions that matter to you is enough.

If you are ready for a more complete conversation about your financial picture, our team is here to help.
https://bit.ly/4yvcK5J

10/05/2026

Your 40s can bring career momentum - and several financial priorities competing for attention at once. In this Perspective, I share a step-by-step framework for reviewing retirement readiness, debt, spending, protection and taxes, with an emphasis on steady progress rather than perfection.

Read more:

Many people enter their 40s expecting financial pressure to ease.

09/29/2026

October starts soon, which means we’re entering the final quarter of the year.

Before the holiday season gets underway, consider asking yourself:

What financial task have I been meaning to address all year?

Maybe it’s reviewing your retirement contributions.

Updating beneficiaries.

Organizing estate documents.

Revisiting insurance.

Talking with your family.

Looking at charitable giving.

Or simply figuring out whether you’re still on track.

You don’t need a dozen financial resolutions for the fourth quarter.

One meaningful next step is a good place to begin.
https://bit.ly/46MLt2H

09/28/2026

Sending a child off to college comes with a long checklist—but there’s one important planning step many families may overlook.

This article highlights a simple consideration that can help parents stay prepared as their child gains greater financial and legal independence.

Read more:

As students pack their bags and head off to college, many parents are focused on dorm checklists, textbooks, meal plans, and emotional goodbyes.

09/25/2026

Beneficiary designations are easy to complete — and just as easy to forget.

Marriage, divorce, births, deaths and other family changes can all be reasons to review whom you have listed on retirement accounts, insurance policies and other assets.

One useful year-end habit is to make a simple list:

Which accounts have beneficiary designations?
Who is currently listed?
Does that still reflect my wishes?
Are contingent beneficiaries included where appropriate?

Small administrative details can have very meaningful consequences.
https://bit.ly/3TM2uqJ